Benefits

Because you should be rewarded for giving the bank your business

Rewards

Spend and get rewarded with VIP Points to redeem with e-voucher, which can be used to purchase goods and services at Public Bank e-Mall, an exclusive e-Commerce site for Public Bank credit cardholders.

VIP Points

Earn

Spent

1 point on everyRM1

on all retail spends

Balance Transfer

Take advantage of savings and flexibility when you transfer your outstanding credit card debts to Public Bank credit card to benefit from a low one-time upfront interest starting from 0%.

Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Public Bank Platinum MasterCard review

What's so good (or not so good) about it?

Elevate your credit card game in sync with your income status with Public Bank MasterCard Platinum - a card that speaks your needs with benefits, privileges and uniqueness of its own.

VIP Points

Public Bank MasterCard Platinum is a reward-based credit card that gives you VIP Points that can be redeemed with goods and services. For every Ringgit you spent with your MasterCard Platinum credit card, you earn 1 VIP Point.

Collect enough VIP Points, you can redeem e-Voucher to purchase items from Public Bank reward catalogue or, at Public Bank e-Mall, a dedicated online shopping site for Public Bank credit card holders.

Free Insurance Plans

For those whose line of works entail business traveling and anyone who is fond of traveling, Public Bank MasterCard Platinum credit card is equipped with a complimentary travel insurance plan that includes claim for inconveniences such as flight delayed, luggage lost/delayed etc.

To qualify for this free travel insurance coverage of up to RM500,000, all you need to do is make a full travel arrangement such as purchasing flight tickets with your Visa Platinum credit card.

Also, you are entitled to claim for compensation on e-Commerce purchases up to US$200, in case your parcel had been delivered elsewhere, or damaged due to improper handling or not arriving within 30-days of scheduled delivery. Voila! Never have to worry again.

You can consolidate up to 4 credit cards and transfer to your Public Bank credit card, subject to 80% of the total available credit limit. The minimum transfer amount should be RM500, with repayment terms ranging from 6, 12, 24 and 36 months.

0% Instalment Plans

Like what you see but can't afford the purchase? With Public Bank’s Zero Interest Installment Plan (ZIIP), you have the privileges to swipe on the goods or services first then repay at a later date, i.e. one month after the successful EPP conversion.

First thing first, check if your merchants are ZIIP-approved, or else you can opt for Public Bank Flexipay Plan, which is also a flexible credit card instalment plan for purchases made at non-participating merchants at a small fee.

But if you're hurry, you can enjoy a 0%p.a. interest on your EPP conversion amount - always check out on Public Bank credit card promotions!

Cash Advance

Are you strapping for cash? Make your way to Public Bank branches or any ATMs nearby to withdraw some cash from your Visa Platinum credit card at a small fee.

Annual Fee Waiver

It is worth noting that Public Bank MasterCard Platinum credit card is issued for free of charge in the first year. This should encourage you to spend more and reap the benefits and privileges of being Public Bank credit card holders.

Plus, you can maintain not paying annual fee for the subsequent years when you make a minimum 12 swipes in a year.

Our top list of shopping credit cards gets you more discounts and rebates on your everyday purchases at leading supermarkets,hypermarkets, and malls. Shop more for less at AEON, Tesco, Giant, Parkson, and more.

Get explanations on banking terms and jargon straight from the mouth of the leading financial comparison website in Malaysia. We've made our glossary to help you understand the fine print like a banker.

Have you come across a term used in your insurance policy that you've misunderstood or don't understand? To help you make sense of the jargon that's often used to describe insurance, here is our handy guide to the most commonly used key words and phrases.